the never ending story

the washing machine is really a good invention, a good companion!!

one of the many things

of the the many things ...

he did for our home.

Although at times his action or rather inaction 'kek sei' me

but when he does it ... it makes me smile, sometimes even better

makes me laugh, sometimes with cheeky little suprises ... lol

one of those things

for the past 2 - 3 months ago

yet everyday I had to on the pipe by turning the bolt hexagon shape knob with a piece of cloth (using plain fingers will be too painful)

on one fine night, suddenly my kitchen water pipe has a new 'upcycled' look.

see that blue little 'knob' to on the water pipe?

see that pureen baby washing liquid bottle on the left 'with its missing dispenser'?

so now 

he's happy ... she no longer nag about changing the pipe

she's happy ... no more difficulties with the pipe, in fact she smiles every time she washes the dishes @ the 'novelty' of such idea.

wallet & purse is happy ... no need keluar $ 

the earth is happy ... one more plastic item 'upcycled'

perhaps the pureen bottle is 'upset' having its' head stuck on someone else's body ...lol

some cheers for year end, or are they not?

I received an email from ocbc bank a few weeks ago.

It says that 

(a) we can get BBWS RM50 voucher for opening any type of savings account

(b) another BBWS RM50 voucher for opening any type of FD deposit 

during the promotion period.

* BBWS : Big Bad Wolf Sales - the biggest and baddest book sales in Malaysia offering new books @ a fraction of retail prices.

Here's the catch : 

(a) min RM1k for opening savings account

(b) min RM5k for opening FD account

(c) max per pax is RM100 voucher per person. 

(d) applicable to selected customer who receive the email. (apparently their criteria for the mailing list is customer who only has credit card with them. They want to bring in your deposits)

But here's the cheers 

(for me la) :

1. Getting RM100 voucher for BBWS is very worth it (if average RM8 /book, I get about 12 books free literally). It's the kind of voucher that's definately not going to be ended up not utilized for me.

2. In term of returns, about 5% for savings account (RM50/RM1000), 

1% for FD account (RM50/RM5000) on top of the existing p.a interest rate. 

Mind you, this is not even per annum rate calculation basis. 

3. the returns in item (2) is given upfront / immediate, upon opening of account (ok la, upon collection and usage of voucher). In other words, we don't need to wait for month end / year end / upon maturity for interest calculation and crediting.

4. There are no bonding / tie in period. Literally, it can mean you can withdraw the money you bank the moment / after you collected the vouchers. But then again, don't think anyone will do so right? FD withdraw prior to maturity will have penalty/ no interest.

5. I just discovered OCBC has a very attractive savings account which they call 'Smart Savers Plan'. It allow adult to earn interest rates like children account provided there are no withdrawal. It's good if you plan to use it for REAL savings and not day to day operating account.

provided no withdrawal, deposit of 

RM0 - RM49.99 interest rate 2.4% p.a

RM50 - RM999.99 interest rate 2.75% p.a

RM1000 above interest rate 2.90% p.a

(refer pic2 below)

help me see...did I miss any catch here? (since I think I'm blinded by the BBWS cash vouchers) 

ps. this is not a paid post. 

the above post is just the opinion of the writer.

 

longing for you

You

You didn't leave my mind the whole night. 
for many many nights...

And without mercy, 
you appear in my dreams ... making me want you more.

Every morning without fail, 
I'll peek at the window at you. 

Every evening before the sun set, 
I can't stop myself peeking at you for one more time.

Sometimes I blushed when our eyes meet

Sometimes I hide 
I love just watching you from afar ... letting my imagination run wild..

what will the suprise be when I open you up?

how juicy will you be when i taste you?

how good will you be (that you keep enticing me like that)?

how good will you be fulfilling the needs of a thirsty woman?

you know there are boundaries I can't cross

you know there are risks I can't take

you know there are people like me you can't flirt with

cause I might do anything I can just to have you next to me.

How could you be so cruel to me? (when I love you so much)

I'm desperately in love with you
I'm longing for you

..

..

..

..

..

..

..

..

..

financial education in primary school 2014, secondary school 2017

Image: FreeDigitalPhotos.net

Better late than never.
Let's not delve into details ... contents, resources, readiness, implementation.
let's just take it as good news to a humble mother for her children to have access to financial knowledge / information in which she has to learn the hard way. 

source of today's happiness : 
http://schooladvisor.my/?p=news%2Ffinancial-education-to-be-taught-in-primary-schools-from-2014
http://schooladvisor.my/?p=news/secondary-students-to-be-taught-financial-management